how does recipient get money on message?

Hi

The recipient receives the money as a credit to their Apple Pay Cash Card balance.

Instructions for receiving payments are detailed here:

Send, receive, and request money with Apple Pay - Apple Support

Keep in mind that fees apply when sending money using a credit card.

Fees can apply for senders, but only under certain circumstances. There are no fees for the sender except when:

As the sender, you use a credit card to fund an Apple Pay Cash transfer.

• In this case, a 3% fee applies, which is paid by the sender.
• This fee does not apply when using a debit card or an existing Apple Pay Cash balance.

You use an Apple Pay Cash Card to make a purchase with a merchant who is located outside of the US.

• In this case, a 3% fee applies, paid by the sender.

Note that your card issuer may also apply a separate fee (this might be described, for example, as a cash advance fee) when sending payments via Apple Pay Cash using a credit card.

If you plan to use a credit card in conjunction with Apple Pay Cash, then contact your card issuer for details of any applicable charges.

More information:

Send, receive, and request money with Apple Pay - Apple Support

https://applepaycash.greendot.com/termsconditions/

See the following from Send, receive, and request money with Apple Pay - Apple Support

When someone sends you money, it's automatically received and securely kept in Apple Pay Cash. You can use the money right away² to send to someone or spend with Apple Pay in stores, within apps, and on the web, or you can transfer to your bank account.

Also see Transfer money from Apple Pay Cash to your bank account - Apple Support